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The Best Credit Cards for Each Bonus Category [Dining, Airfare, Hotels & More]

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Stephen Au
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Stephen Au

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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

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Trying to earn a respectable balance of points with credit card spending is highly scientific. Aside from getting one of the best credit card bonuses, optimizing your usage of credit cards is, unsurprisingly, the most reliable way to earn rewards on everyday spending.

Analyzing your types of spending and the amounts associated with each category are instrumental in crafting a strong strategy.

The main thing you’ll need to remember is that you should be using credit cards that earn the highest return on spend in each of the major bonus categories. 

You can do this without increasing the amount you spend; spending smarter doesn’t mean spending more of your hard-earned money.

Bonus Categories: Straightforward or Not?

Each credit card has its own unique rewards structure. Undoubtedly, different credit cards will earn different percentages, and some even earn miles as opposed to cash-back.

For those who are looking to optimize your travel (hence probably why you’re here), you might find that keeping track of all of the credit cards out there is totally overwhelming.

If you are expecting 3% cash-back on groceries, for example, your exact purchase might not earn the bonus points, as payment categories are actually a complicated matter.

Depending on how the merchant codes to the payment processing companies, you might expect to earn more points, only to be disappointed.

One example is Costco. Many people think of Costco as a grocery store, but in reality, it’s actually coded as a warehouse, which would make Costco purchases ineligible for earning bonus points in the grocery category.

The only way to truly find out if you’ll earn bonus points for sure is to try it out and look at your earnings by logging into your online credit card accounts.

Without further ado, let’s take a gander at the top credit cards in each bonus category.

The 10 Best Credit Cards Across All Bonus Categories — Summary

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CardWelcome Offer and Annual FeeBest Bonus Category
American Express® Gold Card
  • Earn 60,000 points when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $250 (rates & fees)
  • Restaurants – 4x points
  • U.S. Supermarkets – 4x points (up to up to $25,000 per calendar year)
Citi Prestige® Card
  • No welcome offer available.
  • Annual fee of $495
  • Restaurants – 5x points
  • Air Travel – 5x points
Chase Sapphire Reserve®
  • Earn 75,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • Dining – 3x points
  • Ultimate Rewards Air Travel – 5x
  • Ultimate Rewards Hotels and Car Rentals – 10x
  • General Travel – 3x points
The Amex EveryDay® Preferred Credit Card
  • Earn 15,000 points after you make $2,000 in purchases in the first 6 months.
  • Annual fee of $95
  • U.S. Supermarkets – 3x points (up to $6,000 per year)
  • U.S. Gas Stations – 2x points
Citi Strata Premier℠ Card
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Annual fee of $95
  • Supermarkets – 3x points
  • Hotels – 3x points
  • Gas Stations – 3x points
  • EV Charging stations – 3x points
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • Flights booked directly with airlines or with AmexTravel.com – 5x points (up to $500,000 per year)
  • Prepaid hotels booked with AmexTravel.com – 5x points
The Business Platinum Card® from American Express
  • ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.
  • Annual fee of $695 (rates & fees)
  • Flights booked directly with airlines or with AmexTravel.com – 5x points
  • Prepaid hotels booked with AmexTravel.com – 5x points
The World of Hyatt Credit Card
  • Earn 30,000 points after you spend $3,000 on purchases in your first 3 months and up to 30,000 more points by earning 2x points total on purchases that normally earn 1 bonus point, on up to $15,000 spent, in the first 6 months.
  • Annual fee of $95
  • Hyatt Hotels – up to 9x points
  • Gym Memberships – 2x points
Ink Business Preferred® Credit Card
  • NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
  • Annual fee of $95
  • Travel – 3x points
  • Select Business Categories – 3x points
Ink Business Cash® Credit Card
  • Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $0
  • Office supply stores and on internet, cable and phone services – 5% cash-back (up to $25,000)
  • Gas stations and restaurants – 2% cash-back (up to $25,000)

The 3 Best Cards for Dining

First, let’s start with dining purchases! Eating out makes up a huge portion of people’s budgets, especially with millennials. Dining can also be a large portion of your business expenses, so it’s imperative to get the most points you can when spending on dining.

American Express® Gold Card — 4x Points

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Our top choice for dining purchases is the Amex Gold Card. You can earn 4x points on restaurants with this card!

According to our travel points and miles valuations, 1 American Express Membership Rewards point is worth 2.2 cents, which is the highest return. This means your return would be approximately ~8.8 cents per dollar spent.

Amex Membership Rewards points are insanely valuable and are one of the single most valuable transferable currencies out there. With a slew of Amex transfer partners, there’s no end to the ways you can redeem your Membership Rewards points.

Hot Tip: How about up to $120 in dining credits? Check out tons of other benefits of the Amex Gold card!

Citi Prestige® Card — 5x Points

Citi Prestige® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Complimentary lounge access, fourth-night free hotel stay, an annual travel credit, and strong point-earning make the Citi Prestige card a great option.

Complimentary lounge access, fourth-night free hotel stay, an annual travel credit, and strong point-earning make the Citi Prestige card a great option.
$495
17.99% - 25.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. 


The Citi Prestige® Card is an excellent all-around premium travel rewards card. With 4 different bonus categories to help you earn points, a $250 travel credit each year, complimentary lounge access, and more, there is tons to love about the Citi Prestige card.

Update: At this time, the Citi Prestige card is no longer available for new applicants.

Pros
  • 5x points per $1 on purchases at airlines and travel agencies
  • 5x points per $1 on dining
  • 3x points per $1 on purchases at hotels and cruise lines
Cons
  • $495 annual fee
  • Doesn’t offer travel protections
  • $250 Air Travel Credit each year, and receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre √. Through December 2022, supermarket and restaurant purchases will also count towards the $250 Travel Credit.
  • Fourth-night hotel benefit for any hotel stay at hotels booked through the Citi Prestige Concierge; up to 2 times per calendar year
  • Transfer points to a variety of travel loyalty programs from airlines to hotels
  • Earn 5x points on air travel
  • Earn 5x points at restaurants
  • Earn 3x points on cruise lines and hotels
  • 1 ThankYou Point per $1 spent on other purchases
Financial Snapshot
  • APR: 17.99% - 25.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Citi ThankYou Rewards

Another great card is the Citi Prestige card (no longer open to new applicants). This card earns 5x points at restaurants, which makes it a huge earner. This card earns the most points per dollar, but because Citi ThankYou Rewards Points aren’t as valuable as Membership Rewards points (1.6 cents vs. 2.2 cents), it falls just short of first place.

By earning 5x points, your return on spend would hover around 8 cents per dollar. Citi ThankYou Points, though not as valuable as Amex points, can still be redeemed for a tremendous value.

Chase Sapphire Reserve® — 3x Points

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

Our last recommended pick for dining is the Chase Sapphire Reserve card. This card earns 3x points on dining at restaurants. According to our valuations, they can be worth around 2 cents per point for a total return on spend of around 6 cents per dollar.

Importantly, the Chase Sapphire Reserve card earns Chase Ultimate Rewards points that you can transfer to Chase airline and hotel partners. The card offers access to 1,400+ airport lounges via the Priority Pass membership, which is a big perk.

Also, the card offers $300 as a travel credit that can be used for virtually any sort of travel, whether it’s for airline tickets, cruises, or hotel stays.

Hot Tip: There are a ton of benefits with the Chase Sapphire Reserve card, so make sure you know how to make the most of this card.

The 5 Best Cards for Supermarkets

Although the customer trend of grocery shopping is decreasing year after year thanks to e-commerce and eating out more, supermarket spending still represents a big chunk of consumer spending.

The Amex EveryDay® Preferred Credit Card — 3x Points

The Amex EveryDay® Preferred Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!

Learn More(at Amex's secure site)All information about The Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!
Earn 15,000 Membership Rewards® points after you make $2,000 in purchases in your first 6 months.
15,000 points
$95
0% introductory APR for the first 12 months on purchases and balance transfers,Variable APR of 18.24% to 28.24% applies thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.


Credit cards can provide a convenient way to pay for the items you use every day. If you have The Amex EveryDay® Preferred Credit Card, you can shop away and get rewarded in the process.

You’ll find a great option in this card if you use it often and you’re also looking for solid travel rewards. This is especially the case at U.S. supermarkets, since you can earn 3x points per dollar you spend.

  • Earn 15,000 Membership Rewards® points after you make $2,000 in purchases in your first 6 months.
  • Earn 3x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x).
  • Earn 2x at U.S. gas stations, then 1x on all other purchases
  • Earn 50% extra points when you make 30 or more purchases with in a billing period.
  • 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 18.24% to 28.24%.
  • Annual Fee: $95
  • Terms apply. For rates and fees of Amex Everyday Preferred Card, click here.
Financial Snapshot
  • APR: 0% introductory APR for the first 12 months on purchases and balance transfers,Variable APR of 18.24% to 28.24% applies thereafter
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Rewards Center

American Express Membership Rewards

The best credit card is the Amex EveryDay Preferred card. You can earn 3x points at U.S. supermarkets on up to $6,000 per year (after that, earn 1x points).

Also, you’ll earn 2x points at U.S. gas stations and 1x points on all other purchases. Also, if you’ve made 30 or more purchases during a billing period, you’ll earn a 50% bonus on points from those purchases.

This means you could potentially earn 4.5x points on your purchases at U.S. supermarkets, equal to an eye-opening 9.5% to 10% return on spend.

Hot Tip: Superstores like Walmart and warehouse clubs such as Costco and Sam’s Club do not qualify for bonus points.

Amex Gold Card — 4x Points

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

The Amex Gold card earns big on groceries at 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1x).

Also, it earns 4x Membership Rewards points at restaurants. It was the clear winner for the best dining credit card, and it is way up there for groceries, too.

Earning 4x points is equivalent to an 8.4% return on spend, which is stellar.

The Amex EveryDay® Credit Card — Up to 2.4x Points

The Amex EveryDay® Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn 2x points at U.S. supermarkets on the first $6,000 spent in a year, and after 20+ purchases in a billing period, receive a 20% bonus on all points earned!

Learn More(at Amex's secure site)All information about The Amex EveryDay® Credit Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Earn 2x points at U.S. supermarkets on the first $6,000 spent in a year, and after 20+ purchases in a billing period, receive a 20% bonus on all points earned!
Earn 10,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 6 months.
10,000 points
$0
0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR, 18.24% to 29.24%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.


The Amex EveryDay® Credit Card is a great option for those looking to start earning Amex Membership Rewards points without needing to pay an annual fee. Plus, the card rewards you the more often you use it by giving you a 20% bonus when you use your card 20 or more times on purchases in a billing period.

Pros
  • 2x points per $1 at U.S. supermarkets on up to $6,000 per year in purchases, then 1x
  • 2x points per $1 on travel purchases made through Amex Travel
  • 1x point per $1 on all other purchases
Cons
  • Only offers 2 bonus categories
  • Doesn’t offer many benefits
  • Earn 10,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 6 months.
  • Low intro APR: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 18.24% to 29.24%.
  • Earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • 1X points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms apply.
  • Use Amex Offers at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • No Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR, 18.24% to 29.24%
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

American Express Membership Rewards

The Amex EveryDay card is also a great option for grocery spending. You’ll earn 2x points at U.S. supermarkets up to $6,000 in purchases each year. Plus, make 20 or more purchases with your card in a billing period and earn 20% extra points.

This could make your grocery purchases provide an approximate return of 5% to 5.3% on spending, according to our valuations.

Hot Tip: Want to learn more about this excellent introductory card? Check out the top benefits of the Amex EveryDay card.

Citi Strata Premier℠ Card — 3x Points

NEW CARD LAUNCH
Citi Strata Premier℠ Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at our partner's secure site)
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000 points
$1,120
$95
21.24% - 29.24% (Variable)

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros
  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
Cons
    • $95 annual fee
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Financial Snapshot
  • APR: 21.24% - 29.24% (Variable)
  • Foreign Transaction Fees: None

The final pick for supermarket spending is the Citi Strata Premier card. This card earns 3 points per $1 spent at supermarkets. This earns a 4.8% return on spend, according to our valuations.

Additionally, you can earn 3x points at restaurants, gas stations, EV charging stations, air travel, and hotels. Because this card has lots of bonus categories, it is one of the best credit cards to earn points for ordinary spending.

You can read up on all the benefits to get a better idea of whether or not this card is a good fit for you.

Blue Cash Preferred® Card from American Express — 6% Cash-back

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros
  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
Cons
    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

Redeem cash-back through your American Express account

While earning transferrable points is preferable to many folks, sometimes it’s hard to beat good old cash-back, and the Amex Blue Cash Preferred card delivers, earning 6% cash-back at U.S. supermarkets (up to $6,000 in purchases yearly).

Additionally, this card earns 6% cash-back on select U.S. streaming subscriptions, 3% cash-back at U.S. gas stations, and 3% cash-back on transit purchases.

The 3 Best Cards for Airfare

When booking airfare, it’s important to understand the different credit cards in detail. Some credit cards only earn bonus points when booking airfare in a specific way, so be sure to keep track of that when deciding which credit cards to open and use.

The Platinum Card® from American Express — 5x Points

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Our top pick for airfare purchases is the Amex Platinum card. With some of the best earning structures in the business, you can earn 5 Membership Rewards points per dollar on airfare booked directly with the airline or with AmexTravel.com.

Unfortunately, airfare purchased through online travel agencies (i.e. Expedia, Orbitz, etc.) does not earn you the bonus points.

Earning at a rate of 5 points per dollar is a phenomenal way to get tons of value on airfare. According to our valuations, your 5 points per dollar is equivalent to an approximate return of 11 cents per dollar!

Additionally, you’ll enjoy perks like over $1,400 in statement credits, including up to $200 annual airline fee credit, up to $200 prepaid hotel booking credit, up to $200 in Uber Cash ($15 monthly and $35 in December) up to $240 annual digital entertainment credit, up to $100 annual Saks Fifth Avenue credit, $189 CLEAR Plus credit, up to $300 Equinox credit, and up to $155 Walmart+ credit – note some benefits require enrollment.

The card also includes travel insurance, hotel and rental car elite status, access to over 1,400 lounges in the Amex Global Lounge Collection, and more.

Hot Tip: Explore all of the benefits you get with the Amex Platinum Card, which we value at over $5,300.

Citi Prestige Card — 5x Points

Citi Prestige® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Complimentary lounge access, fourth-night free hotel stay, an annual travel credit, and strong point-earning make the Citi Prestige card a great option.

Complimentary lounge access, fourth-night free hotel stay, an annual travel credit, and strong point-earning make the Citi Prestige card a great option.
$495
17.99% - 25.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. 


The Citi Prestige® Card is an excellent all-around premium travel rewards card. With 4 different bonus categories to help you earn points, a $250 travel credit each year, complimentary lounge access, and more, there is tons to love about the Citi Prestige card.

Update: At this time, the Citi Prestige card is no longer available for new applicants.

Pros
  • 5x points per $1 on purchases at airlines and travel agencies
  • 5x points per $1 on dining
  • 3x points per $1 on purchases at hotels and cruise lines
Cons
  • $495 annual fee
  • Doesn’t offer travel protections
  • $250 Air Travel Credit each year, and receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre √. Through December 2022, supermarket and restaurant purchases will also count towards the $250 Travel Credit.
  • Fourth-night hotel benefit for any hotel stay at hotels booked through the Citi Prestige Concierge; up to 2 times per calendar year
  • Transfer points to a variety of travel loyalty programs from airlines to hotels
  • Earn 5x points on air travel
  • Earn 5x points at restaurants
  • Earn 3x points on cruise lines and hotels
  • 1 ThankYou Point per $1 spent on other purchases
Financial Snapshot
  • APR: 17.99% - 25.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Citi ThankYou Rewards

The Citi Prestige card (no longer open to new applicants) is one of the most competitive cards out there. It was on our list for dining, and it’s back for airfare. You will earn 5 Citi ThankYou points per dollar spent on air travel and travel agencies.

That’s equal to an approximate return of around 8 cents per dollar in our points and miles valuations.

This card also earns 5x points on dining (mentioned earlier), 3x points at cruise lines and hotels, and 1x points everywhere else. You can also take advantage of the $250 annual travel credit and fourth night free among other benefits!

Chase Sapphire Reserve Card — 3x Points

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card earns 3x points on all non-Chase Ultimate Rewards travel, and airfare is absolutely included. According to our valuations, your 3x points are worth around 6 cents per dollar, which is a great return on your spend.

There are so many other benefits of the Chase Sapphire Reserve card, including the up to $300 for a travel credit, Priority Pass membership, and up to $100 application fee credit for Global Entry, NEXUS, or TSA PreCheck.

The 5 Best Cards for Hotels

Hotels are probably the single biggest portion of a vacation budget, so it’s imperative to optimize that expense as much as possible. There are many hotel rewards cards out there, and much of your decision will depend on your travel needs and predisposed loyalty to a particular brand.

However, you’ll find that some clear winners will maximize your return on hotel spending.

The Business Platinum Card® from American Express — 5x Points

150K OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card earns 5 Membership Rewards points per dollar on prepaid hotels through AmexTravel.com. These points are each worth approximately 2.2 cents, which makes an earning of 5 points per dollar equal to a return of about 11 cents per dollar.

It also earns 1.5x points (on up to $2 million in purchases per calendar year) on each eligible purchase of $5,000 or more and on eligible U.S. purchases in these select business categories:

  • Construction material and hardware suppliers
  • Electronic goods retailers and software & cloud system providers
  • Shipping providers

Seeing as how hotel bookings are a huge percentage of travel costs, earning those points can add up quickly. Additionally, this card will grant you access to the Fine Hotels & Resorts and the Hotel Collection, among other benefits.

Hot Tip: Check out what else this card has to offer by reading up on the many benefits of the Amex Business Platinum card.

The World of Hyatt Credit Card — Up to 9x Points

The World of Hyatt Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 points
$900
$95
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros
  • Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
Cons
    • $95 annual fee
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC
Financial Snapshot
  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

The World of Hyatt card offers a marvelous way to earn World of Hyatt points with up to 9x points per dollar spent at Hyatt properties. You can also earn 2x points for restaurant, airline tickets purchases direction from airlines, local transit, and fitness/gym memberships purchases with this card.

World of Hyatt points are the most valuable hotel currency according to our points and miles valuations, so you definitely don’t want to miss out on such an attractive earning rate. Your 4 points per dollar are worth around 1.5 cents per point, which means you’ll approximately 6 cents per dollar for spending at Hyatt properties.

Also, you will receive an annual bonus of 1 free night at any Category 1-4 property, and this free night certificate can be worth upwards of $200!

Given that World of Hyatt points are incredibly valuable, this card offers a way to earn points that you can redeem for maximum value.

Hilton Honors American Express Aspire Card — 14x Points

LIMITED TIME OFFER
Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
175,000 points
$875
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros
  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other purchases
Cons
    • High annual fee of $550
  • Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
  • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for other purchases on your card.
  • Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status.
  • $550 annual fee.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

The Hilton Aspire card is a top hotel card as it earns 14 Hilton Honors points per dollar spent at Hilton properties and confers complimentary Hilton Honors Diamond status (offering free breakfast, executive lounge access, and suite upgrades, among other perks).

The first point is huge, and in fact, there’s no other credit card that offers anywhere near as many Hilton Honors points. Although Hilton Honors points aren’t as valuable as World of Hyatt points, your 14x points will still equate to a return on spend of around 7%.

Marriott Bonvoy Business® American Express® Card — 6x Points

LIMITED TIME OFFER
Marriott Bonvoy Business® American Express® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Learn More(at Amex's secure site)
A great option for business owners who stay in Marriott hotels and want automatic elite status.
Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
5 Free Night Awards
$1,750
$125
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

Pros
  • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points per $1 on all other purchases
Cons
  • Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

The Marriott Bonvoy Business card earns 6x points at participating Marriott Bonvoy hotels. Marriott Bonvoy points are worth around 0.7 cents per point, so your hotel spending would amount to a 4.2% return on spend.

When you consider the fact that you can redeem Marriott Bonvoy points for flights, even Emirates first class, you can imagine how you can drastically increase your return on spend.

You will receive 1 free night award every year after your card account anniversary. Plus, earn an additional free night after you spend $60,000 in purchases on your card in a calendar year.

Awards can be used for 1 night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees. There are countless ways to redeem Marriott Bonvoy points, so check out our best ways to redeem Marriott Bonvoy points for hotels.

Citi Strata Premier Card — 3x Points

NEW CARD LAUNCH
Citi Strata Premier℠ Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at our partner's secure site)
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000 points
$1,120
$95
21.24% - 29.24% (Variable)

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros
  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
Cons
    • $95 annual fee
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Financial Snapshot
  • APR: 21.24% - 29.24% (Variable)
  • Foreign Transaction Fees: None

The last credit card for hotels we’ll discuss is the Citi Strata Premier card, which earns 3x points on all hotel travel. Citi ThankYou Points are worth approximately 1.6 cents per point, which means that your effective earnings are around 4.8 to 5 cents per dollar spent on travel.

Also, you can earn 3x points on restaurants, gas stations, air travel, and supermarkets. There are lots of excellent ways to redeem your ThankYou Points, most of which involve transferring your ThankYou Points to Citi’s airline and hotel transfer partners.

Your points are worth 1 cent each when redeemed toward airfare booked through via the ThankYou Travel Center.

The 2 Best Cards for General Travel Purchases

What if you have travel spending outside of ordinary airfare or hotels? Some of these include car rentals, travel agencies, cruises, parking, and taxis.

Per Chase’s exact definition, “Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.”

Different banks allow different merchants to count as travel, so please consult each individual card’s terms and conditions to get adequate clarity on this.

Ink Business Preferred® Credit Card — 3x Points

NEW OFFER
Ink Business Preferred® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Financial Snapshot
  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Ink Business Preferred card is one of the best travel and business credit cards in the industry. With amazing travel earnings, excellent travel protection, and even cell phone protection, this card is a no-brainer.

You’ll earn 3 points per dollar on the first $150,000 spent in combined purchases in the following categories each account anniversary year:

  • Travel
  • Internet, cable, and phone services
  • Advertising purchases with search engines and social media sites
  • Shipping purchases

This means you could earn up to 450,000 points on travel every year. Earning 3 points per dollar is approximately equal to earning a return of 6 cents per dollar spent.

You’ll enjoy trip cancellation and interruption protection, trip delay insurance, purchase protection, primary auto rental collision damage waiver when renting for business purposes, delayed/lost luggage protection, and cell phone protection.

Bottom Line: The Ink Business Preferred card is the best overall business credit card for travel. The ongoing spending categories and travel benefits make this card a must-have in your wallet. 

Chase Sapphire Reserve Card — 3x Points

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is the best consumer card for general travel. It earns 3 points per dollar spent on travel, and Chase’s definition of travel is quite generous. The 3 points per dollar earned are worth around 6 cents per dollar when you factor in our valuations.

Also, you’ll have great travel protection when you spend with this card, including trip cancellation/interruption insurance, trip delay insurance, purchase protection, primary auto rental collision damage waiver, and lost luggage protection.

The Chase Sapphire Reserve card’s travel benefits match up closely with the Ink Business Preferred card, except for cell phone protection.

The 4 Best Cards for Gas Purchases

Spending on gas can be a significant expense, especially if you drive a lot. If you don’t have a special loyalty to a certain brand of gasoline, you can stand to save a large sum of money when filling up at the pump.

Amex EveryDay Preferred Card — 2x Points

The Amex EveryDay® Preferred Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!

Learn More(at Amex's secure site)All information about The Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!
Earn 15,000 Membership Rewards® points after you make $2,000 in purchases in your first 6 months.
15,000 points
$95
0% introductory APR for the first 12 months on purchases and balance transfers,Variable APR of 18.24% to 28.24% applies thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.


Credit cards can provide a convenient way to pay for the items you use every day. If you have The Amex EveryDay® Preferred Credit Card, you can shop away and get rewarded in the process.

You’ll find a great option in this card if you use it often and you’re also looking for solid travel rewards. This is especially the case at U.S. supermarkets, since you can earn 3x points per dollar you spend.

  • Earn 15,000 Membership Rewards® points after you make $2,000 in purchases in your first 6 months.
  • Earn 3x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x).
  • Earn 2x at U.S. gas stations, then 1x on all other purchases
  • Earn 50% extra points when you make 30 or more purchases with in a billing period.
  • 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 18.24% to 28.24%.
  • Annual Fee: $95
  • Terms apply. For rates and fees of Amex Everyday Preferred Card, click here.
Financial Snapshot
  • APR: 0% introductory APR for the first 12 months on purchases and balance transfers,Variable APR of 18.24% to 28.24% applies thereafter
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Rewards Center

American Express Membership Rewards

The Amex EveryDay Preferred card is the clear winner in the battle for the best gas card. You will earn 2 points per dollar spent at U.S. gas stations. Also, if 30 transactions are made on the card within the billing month, you will earn a 50% bonus on your points earned for the month.

This means you can earn up to 3x points when you use the card 30 times per month. By maxing out the rewards earning structure, you can snag a return of around 6.6 cents per dollar, according to our valuations.

Remember that you earn 1x points at gas stations outside of the U.S.

Citi Strata Premier Card — 3x Points

NEW CARD LAUNCH
Citi Strata Premier℠ Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at our partner's secure site)
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000 points
$1,120
$95
21.24% - 29.24% (Variable)

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros
  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
Cons
    • $95 annual fee
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Financial Snapshot
  • APR: 21.24% - 29.24% (Variable)
  • Foreign Transaction Fees: None

Back to rewards-earning credit cards, the Citi Strata Premier card earns 3x Citi ThankYou Rewards Points on gas, equal to a return of around 4.8 to 5 cents per dollar.

You’ll also earn 3x points at restaurants, on air travel, and on hotels. 

Amex Blue Cash Preferred Card — 3% Cash-back

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros
  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
Cons
    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

Redeem cash-back through your American Express account

The Amex Blue Cash Preferred card earns 3% cash-back at U.S. gas stations. Cash-back is earned as Reward Dollars and can’t be converted into American Express Membership Rewards.

Alternatively, there’s a version of this card without an annual fee, the Blue Cash Everyday® Card from American Express, which also earns 3% cash-back at U.S. gas stations, but it’s capped at $6,000 in purchases each year.

Ink Business Cash® Credit Card — 2% Cash-back

Ink Business Cash® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros
  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card is an excellent option for those who primarily focus on business spending. The card earns 2% cash-back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and at restaurants.

You can also earn 5% at office supply stores and on internet, cable, and phone services, which we’ll talk about in the later sections.

Ordinarily, this card earns cash-back, but if you also hold a card that earns Chase Ultimate Rewards and transfer points to that card, you can transfer points to airline partners, opening the gate to first and business class award travel.

If you have a card that earns Chase Ultimate Rewards points, you could potentially convert your 2x points on gas into a 4% return on spend.

In all, you can earn 2% cash-back or 2x points on up to $25,000 spent, which amounts to $500 cash-back or 50,000 Ultimate Rewards points.

The 2 Best Cards for Cellular Phone, Internet, Cable, and Other Telecommunications

Telecommunications spending makes up a large portion of business spending, and missing out on extra points or cash-back translates directly to leaving money on the table. A recurring bill of a few hundred dollars per month can earn tens of thousands of points every year.

Ink Business Cash Card — 5% Cash-back

Ink Business Cash® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros
  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

Without a doubt, the best card to get the best return on your spend is the Ink Business Cash card. This card earns 5% cash-back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services.

If you have a card that earns Chase Ultimate Rewards points such as the Chase Sapphire Preferred® Card, you can effectively convert your 5% cash-back to 5x Ultimate Rewards points, which is worth approximately 10 cents per dollar, according to our points and miles valuations. This return is incredible for office spending, which is why it is our top winner.

Hot Tip: There are numerous other aspects of this credit card. Check out the valuable benefits of the Ink Business Cash card.

Ink Business Preferred Card — 3x Points

NEW OFFER
Ink Business Preferred® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Financial Snapshot
  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Ink Business Preferred card is similarly an excellent option. It earns 3x points on the first $150,000 spent in combined purchases in these categories each account anniversary year:

  • Internet, cable, and phone services
  • Travel
  • Shipping purchases
  • Advertising purchases with social media sites and search engines

Your 3x points earnings are equal to around 5.7 to 6 cents per dollar when you take into account our points valuations.

You might want to use the Ink Business Preferred card instead of the Ink Business Cash card if you’ve already maxed out the 5% cash-back from the Ink Business Cash card or you want the cell phone protection and are willing to forgo a few points to have it.

Bottom Line: If you don’t have a business, you’ll want to check out these personal credit cards for cable, internet, and phone purchases.

The 2 Best Cards for Entertainment

Needless to say, entertainment is a huge (and often necessary) expense in life. Things like event tickets, amusement parks, movie theaters, bowling alleys, and even zoos make up a large percentage of discretionary spending.

As always, you’ll want to maximize the value you get from spending, so let’s get into the top credit cards for the entertainment bonus category.

U.S. Bank Cash+® Visa Signature® Card — 5% Cash-back

U.S. Bank Cash+® Visa Signature® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros
  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
Cons
  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.
Financial Snapshot
  • APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
  • Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Cash+ Signature card earns 5% cash-back on 2 quarterly categories you can choose, including movie theaters and streaming services, up to $2,000 per quarter.

If you max out the $2,000 per quarter on qualifying entertainment spending, you can earn $400 per year on your $8,000 spent.

The card also earns 2% cash-back on your choice of 1 everyday category, like gas stations or grocery stores, plus 1% on all other eligible net purchases.

Capital One Savor Rewards Credit Card — 4% to 8% Cash-back

Capital One Savor Cash Rewards Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)

An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening.
$300
$95
20.74%-28.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

 

When it comes to rewards credit cards, you can break up most savvy consumers into 2 camps: those who prefer travel rewards and those who prefer cash-back.

Both options can be very lucrative to you and your wallet, especially if you’re using the right card. For those who fall in the “cash is king” camp, you’ll likely find the Capital One Savor card quite compelling.

Pros
  • 10% cash-back on Uber and Uber Eats
  • 8% cash-back on Capital One Entertainment
  • 5% cash-back on hotels and rental cars booked through Capital One Travel
Cons
  • $95 annual fee
  • This is strictly a cash-back card, so it features no travel rewards like other cards offer
  • Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Earn 8% cash back on Capital One Entertainment.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn.
Financial Snapshot
  • APR: 20.74%-28.74% Variable
  • Foreign Transaction Fees: 

The Capital One Savor card earns an unlimited 4% cash-back on dining and entertainment plus it earns 8% cash-back on Capital One Entertainment purchases.

According to Capital One, eligible entertainment purchases can be movies, plays, concerts, sporting events, tourist attractions, theme parks, aquariums, zoos, dance clubs, pool halls, or bowling alleys.

A broad definition of what counts as entertainment is great as this can greatly increase your chances of getting 4% cash-back.

The 2 Best Cards for Gym Memberships

Gym memberships are a good chunk of many people’s spending habits. With recurring monthly/yearly transactions, it’s in your best interest to squeeze value where you can, and gym memberships are no exception.

U.S. Bank Cash+ Visa Signature Card — 5% Cash-back

U.S. Bank Cash+® Visa Signature® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros
  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
Cons
  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.
Financial Snapshot
  • APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
  • Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Cash+ Signature card allows you to earn 5% cash-back on 2 categories chosen from a preset list (up to $2,000 per quarter), including gyms and fitness centers.

World of Hyatt Card — 2x Points

The World of Hyatt Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 points
$900
$95
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros
  • Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
Cons
    • $95 annual fee
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC
Financial Snapshot
  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

The other card that presents an excellent option to earn points with gym memberships is the World of Hyatt card.

Among other benefits, you’ll earn 2 bonus points per $1 spent on fitness club and gym memberships (and at restaurants, on airline tickets purchased directly from the airlines, and on local transit and commuting).

Seeing as how World of Hyatt points are the most valuable hotel currency out there, your gym spending on the World of Hyatt card is equivalent to a 3.2% return on spend.

Also, you’ll earn a free night each year in any Category 1-4 Hyatt hotel on each cardmember anniversary, automatic World of Hyatt elite status, and much more. There are loads of benefits you get just by holding the card.

The 2 Best Cards for Office Supplies

Office supplies often constitute a big piece of overall business spending. Luckily, optimizing your office supplies spending is made easy, especially if you’re looking for business credit cards.

Ink Business Cash Card — 5% Cash-back

Ink Business Cash® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros
  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The best way to earn points on office supplies is without a doubt the Ink Business Cash card.

This credit card is our top choice because it offers 5% cash-back on the first $25,000 spent in combined purchases at office supplies stores (and on internet, cable, and phone services).

If you transfer your cash-back to a card that earns Chase Ultimate Rewards, you can nearly double your return on spend, upping your earnings to a 10% return.

Also, you’ll earn 2% back on up to $25,000 in combined purchases at restaurants and gas stations, followed by 1% back on other purchases.

Huntington Voice Business Credit Card℠ — 4% Cash-back

The Huntington Voice Business card is an unexpected pick that not a lot of people know about. This card earns 4% cash-back on up to $7,000 in purchases per quarter in 1 of 10 categories, including office supplies.

If you’ve exhausted the 5% cash-back from the Ink Business Cash card, the Huntington Voice Business card is yet another great way to get rewarded for office supplies spending.

The 3 Best Cards for Rotating Categories

Most credit cards don’t have spending categories that change over time. While they have bonus earning structures on specific categories, the categories in which you earn bonus points themselves rarely change.

However, a few credit cards have bonus categories that change, typically every quarter. These categories typically have very appealing incentive structures. Let’s talk about the best credit cards for rotating categories.

Chase Freedom Flex℠ — 5% Cash-back

Chase Freedom Flex℠
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
Cons
    • 3% foreign transaction fees in U.S. dollars
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Freedom Flex card offers rotating categories every quarter that enable you to earn 5% cash-back on up to $1,500 in combined purchases each quarter in bonus categories.

Keep in mind that activation is always required to earn 5% cash-back. Historically, these categories have included:

  • Department stores
  • Drugstores
  • Gas stations
  • Grocery stores (not including Walmart and Target purchases)
  • Home improvement stores
  • Internet/cable/phone services
  • Lyft
  • Mobile payments: Chase Pay, Google Pay, Apple Pay, Samsung Pay
  • Select streaming services
  • Tolls
  • Walgreens

This is not an exhaustive list, but the purpose is to give you an idea of what exactly rotating categories could mean.

By pairing this card with an Ultimate Rewards-earning credit card such as the Chase Sapphire Reserve card, you’d be earning a return of 10% on your spending.

U.S. Bank Cash+ Signature Card — 5% Cash-back

U.S. Bank Cash+® Visa Signature® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros
  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
Cons
  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.
Financial Snapshot
  • APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
  • Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Cash+ Signature card earns 5% cash-back on combined purchases in 2 categories that you choose, up to $2,000 every quarter. These categories are:

  • Cell phone providers
  • Department stores and select clothing stores
  • Electronics stores
  • Fast food
  • Furniture stores
  • Ground transportation
  • Gyms/fitness centers
  • Home utilities
  • Movie theaters
  • Sporting goods stores
  • TV, internet, and streaming services

Discover it® Cash Back — 5% Cash-back

The Discover Cash Back card earns quarterly 5% bonus categories on up to $1,500 every quarter. Some of these have historically included:

  • Amazon.com, Target, and Walmart.com
  • Gas stations
  • Grocery stores
  • Home improvement stores
  • Restaurants and PayPal
  • Uber and Lyft
  • Wholesale clubs

The 6 Best Cards for Miscellaneous Spending

If all else fails or you have odd spending categories, don’t fret. There are a ton of ways to get rewarded for ordinary, non-bonused spending.

The Blue Business® Plus Credit Card from American Express — 2x Points

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros
  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost
Cons
  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply
Financial Snapshot
  • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is undoubtedly the best business rewards credit card for simple, non-bonused spending. 

This card earns 2x Membership Rewards points on all purchases for the first $50,000 spent each year, then 1x after. This is equivalent to an approximate 4.2% to 4.5% return on spend for the first $50,000 spent each year.

This earning structure allows you to earn lots of points in a simplified way across the board.

You can redeem your Membership Rewards points for flights, which is just one of the valuable benefits of the Amex Blue Business Plus card.

Capital One Venture X Rewards Credit Card — 2x Miles

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

The Capital One Venture X card offers 2x miles on all purchases with no caps, making it one of the best cards in the world for miscellaneous purchases.

Best of all, the miles you earn are transferrable to airline and hotel partners, mostly at a 1:1 ratio. Based on this, your return on spend would be around 3.6% for miscellaneous purchases.

Other incredible benefits include a $300 annual travel credit for bookings made through Capital One Travel, access to airport lounges including Priority Pass lounges, Plaza Premium Lounges, and Capital One Lounges, and the ability to earn up to 10x miles on paid bookings through Capital One Travel.

Chase Freedom Unlimited® — 1.5% Cash-back

Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card offers a solid 1.5% cash-back on purchases outside of its bonus categories.

The rewards you earn are cash-back, but holding another Chase card such as the Chase Sapphire Preferred card that offers transfers to Ultimate Rewards allows you to consolidate your rewards and redeem them as points. This effectively generates around a 3% return on overall spend.

Ink Business Unlimited® Credit Card — 1.5% Cash-back

Ink Business Unlimited® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros
  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Cons
    • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

The Ink Business Unlimited card is a business credit card used for non-bonus spending. It pays a fixed rate of 1.5% (or 1.5x points when transferring cash-back to an Ultimate Rewards earning card) on all business purchases with no limits.

Earning 1.5x points by pairing with a card that earns Ultimate Rewards points will boost the return on spending to 2.85%.

Amex Blue Cash Everyday Card — 3% Cash-back

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros
  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Cons
    • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Cash Everyday card might be overlooked by some but it shouldn’t since it earns 3% cash-back at U.S. online retailers on up to $6,000 in purchases each year. This is a really broad category that can include lots of otherwise non-bonus spending categories.

  • Apparel, footwear, and accessories stores
  • Auto and home supply stores
  • Book stores
  • Computer and electronics stores
  • Department stores
  • Drugstores
  • Furniture stores (like Wayfair.com)
  • Major retailers (like Amazon.com)
  • Personal and household care
  • Pet stores (like Chewy.com)
  • Sporting goods stores
  • Toy and hobby stores

Additionally, this card also earns 3% cash-back at U.S. gas stations (up to $6,000 in purchases yearly) and U.S. supermarkets (up to $6,000 in purchases yearly).

Hot Tip: Trying to compare the Chase business credit cards out there? Check out our detailed guide that breaks everything down!

Amex EveryDay Preferred Card — 1x Points

The Amex EveryDay® Preferred Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!

Learn More(at Amex's secure site)All information about The Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!
Earn 15,000 Membership Rewards® points after you make $2,000 in purchases in your first 6 months.
15,000 points
$95
0% introductory APR for the first 12 months on purchases and balance transfers,Variable APR of 18.24% to 28.24% applies thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.


Credit cards can provide a convenient way to pay for the items you use every day. If you have The Amex EveryDay® Preferred Credit Card, you can shop away and get rewarded in the process.

You’ll find a great option in this card if you use it often and you’re also looking for solid travel rewards. This is especially the case at U.S. supermarkets, since you can earn 3x points per dollar you spend.

  • Earn 15,000 Membership Rewards® points after you make $2,000 in purchases in your first 6 months.
  • Earn 3x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x).
  • Earn 2x at U.S. gas stations, then 1x on all other purchases
  • Earn 50% extra points when you make 30 or more purchases with in a billing period.
  • 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 18.24% to 28.24%.
  • Annual Fee: $95
  • Terms apply. For rates and fees of Amex Everyday Preferred Card, click here.
Financial Snapshot
  • APR: 0% introductory APR for the first 12 months on purchases and balance transfers,Variable APR of 18.24% to 28.24% applies thereafter
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Rewards Center

American Express Membership Rewards

The Amex EveryDay Preferred card earns 1x points on non-bonused purchases. But, if 30 transactions are made on the card within the billing month, you will earn a 50% bonus on your points earned for the month.

Also, you’ll earn 3x points at U.S. supermarkets for the first $6,000 per year (then 1x points) and 2x points at U.S. gas stations.

You could elevate your earnings to 1.5x points per dollar spent, which is worth 3.3%, according to our valuations. This is an excellent way to earn bonus points, provided that you use your card at least 30 times per month.

Final Thoughts

There are so many different credit cards out there that it’s nearly impossible to keep track of which cards are best for specific spending categories.

We’ve provided an outstanding resource to help figure out the best credit cards depending on your specific spending categories. You’ll want to make a habit of earning at least 2 points per dollar spent on all your spending.

There’s tons of value in strategically signing up for the cards where you’ll have the best bonus categories in alignment with your exact spending habits. Happy earning!

The information regarding the Huntington Voice Business Credit Card℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the The Amex EveryDay® Preferred Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Discover it® Cash Back Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.

Frequently Asked Questions

What are rotating categories?

Credit card companies often generate a schedule for earning rewards with specific types of spending. This is usually changed quarterly, hence the name rotating categories.

How can I maximize my credit card rewards?

The best way to maximize your credit card rewards is to sign up for cards that offer the most points for the type of spending you do.

People who spend lots of money on dining are excellent candidates for the Amex Gold card, for example.

What is the best credit card rewards program?

Generally, the most valuable credit card rewards programs have transferable currencies. These are Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, Capital One Miles, and Marriott Bonvoy.

Which credit card gives more reward points?

The best credit cards will depend on what you spend your money on. Take a look at the cards presented in this guide to figure out which credit card gives the most rewards points for your situation.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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